Merchant Cash Advance

Free marketing to every merchant whom borrows over $50,000

An alternative to a small business loan, this is a quick and easy way to get the working capital your business needs without the hassle of dealing with the bank. 001Our product requires minimal paperwork and a very fast turnaround time with a flexible approval process. We assisted a variety of  small businesses across the country secure the financing they need to succeed.

Our representatives are experts in small business financing and are able to provide the best options and best rates available to you. Also, with the years of experience and ethical business practices, Microplus Capital, LLC has become a leading provider of small business lending.

Our in-house financing options are customized to your specific needs and you can rest assured that we will get you the best solution for your business.

Key Points

Fast and Easy Application

The application process is quick and easy. The whole process only takes minutes. If you need any assistance whatsoever, our dedicated funding specialists are available to help.

Revenue Based Funding

This process is so simple, that once your application has been approved, you will be eligible to access up to 1.25x your monthly revenue within 48 hours if not sooner.

Grow Your Business

Use the money however you see fit: buy new equipment or inventory, pay bills, expand your business, invest in marketing and more.

We cater to such industries as hospitality, restaurants, healthcare, manufacturing and professional technical services including attorneys and accountants.

Get Ready For Success

For most small businesses, there comes a time when more capital would be beneficial if not necessary to carry on or advance your business. There is no need to panic or lose hope when in comes to accessing capital for your business. Acquiring a merchant cash advance is a great solution for getting through tough times or taking your business to the next level. The primary goal of our merchant cash advance program is to provide business owners with capital for their business, but to also educate them and provide them with resources to help build a solid financial foundation for their business to prevent tough times in the future.

Why do businesses contact us for immediate funding?

Business owners from across the nation contact us because they are low on cash and need working capital quickly. Most businesses do not want to undertake a fixed monthly payment of a traditional business loan. Applying for a merchant cash advance from us is the best option for your business funding needs. A Merchant Cash Advance is an excellent way to access working capital in a “cash-flow friendly” way by making daily remittances. Below is why businesses chose us over other funding institutions.

  • They can use up to $300,000 per location
  • They have been in business for at least 3 months
  • They generate at least $10,000 in gross sales/revenue
  • They want the money in just 3 days

Merchant cash advances are very valuable to any business and if maximized to their full potential, your company can advance quickly.

The benefits of choosing a cash advance

  • We offer an easy remittance system that collects daily payments automatically so you do not have to worry about late payments
  • Our goal is to get you the funding you need and see your business succeed regardless of your credit history or type of business.
  • Financial freedom for your business and access to $300,000 to use for nearly any business need!

Running a small business doesn’t have to be unpredictable. You just need the right tools. At Microplus Capital we offer both Business Loans as well as Merchant Cash Advances.

The Truth About MCAs

A Merchant Cash Advance (“MCA”) is a unique financial product with which many people are not familiar. Some people may confuse MCAs with loans simply because MCAs are a means of providing capital to small and medium-sized businesses (“SMBs”) and historically loans have been a typical means of providing capital to SMBs. Our policy is to always communicate accurately with merchants, sales partners and others about the nature of MCAs provided by Microplus Capital.

What is an MCA? Unlike a loan, where an SMB borrows money and agrees to pay it back with interest within a fixed period of time, an MCA allows an SMB to raise capital by selling a portion of its future credit card sales. (Although SMBs may sell Microplus Capital certain other future payment card sales, such as signature-based debit card sales, this document refers generally to credit card sales.) In exchange for an upfront cash payment called the Purchase Price, Microplus Capital buys an aggregate amount of the SMB’s future credit card sales called the Specified Amount. In an MCA transaction, Microplus Capital is entitled to receive a fixed percentage of the SMB’s credit card sales, if and to the

extent such sales occur, until Microplus Capital has received the Specified Amount of future credit card sales it purchased (or until the SMB goes out of business). As a result, MCAs do not involve “payments,” but rather remittances of purchased credit card receivables, the actual amounts of which align with the SMB’s fluctuating credit card sales volumes. MCAs have no set term, maturity date or fixed or minimum payment amounts (and, therefore, no late fees or penalties). Accordingly, the period of time over which purchased receivables may be remitted to Microplus Capital is an estimate only (often referred to as the “estimated turn” or “turn”).

Doesn’t the SMB have to pay Microplus Capital back? No! In an MCA, the SMB does not make any promise to pay money to Microplus Capital. The SMB sells to Microplus Capital part of its future credit card sales and agrees to let Microplus Capital collect its share of those sales. If those sales never occur, such as if the merchant goes out of business, the merchant is not required to pay anything to Microplus Capital. However, the SMB does make some promises to Microplus Capital to not interfere with Microplus Capital collecting its share of the SMB’s future card receivables. For example, the SMB agrees to use a payment card processor that will send Microplus Capital its share of the SMB’s daily credit card sales, to use only that processor, and not to do anything to discourage customers from using credit cards. If these promises are broken, the SMB (or the owner of the business or another “guarantor”) may have to pay money (damages) to Microplus Capital.

Please note: Microplus Capital, LLC offers these products through our affiliates as well as correspondent investors.

Revolving Line

A fast, easy, and convenient way to access unrestricted cash.

  • Funds in your account in as little as two business days
  • Minimal paperwork and quick turnaround
  • Can be renewed for more capital as needed
  • No hidden fees
  • No double dipping
  • No collateral or personal payment guarantee

Get on track today to provide your business the cash it needs to grow and operate.

More on Merchant Cash Advance:

Call Us Today Toll Free: 888-321-4440 or Simply Contact Us For More Details Below …

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